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    Direct Settlement of Hands-Free Transactions
    11.
    发明公开
    Direct Settlement of Hands-Free Transactions 审中-公开

    公开(公告)号：US20240220961A1

    公开(公告)日：2024-07-04

    申请号：US18394350

    申请日：2023-12-22

    Applicant: Google LLC

    Inventor： Steven Dieter ,  Pramod Adiddam ,  Amit Litsur ,  Yangui Tao ,  Denise Ho ,  Varouj Chitilian

    IPC: G06Q20/32 ,  G06Q20/20 ,  G06Q20/40

    CPC classification number: G06Q20/3226 ,  G06Q20/204 ,  G06Q20/40145 ,  G06Q20/405

    Abstract: A hands-free transaction is processed by utilizing an account management system to authorize a transaction and to provide payment account information to a payment processing system while allowing the transaction settlement to occur between the payment processing system and the merchant. After the account of the user is verified, a POS device generates a payment authorization request based on a user verification and other transaction information. The POS device transmits the payment authorization request to the account management system, and the account management system identifies the user payment data. The account management system receives an authorization from the payment processing system and transmits the payment authorization to the merchant. The merchant salesperson completes the transaction with the user by providing the product or service being purchased. The payment processing system and the merchant system then settle the transaction without involvement of account management system.

    HANDS-FREE TRANSACTIONS WITH VOICE RECOGNITION
    13.
    发明申请
    HANDS-FREE TRANSACTIONS WITH VOICE RECOGNITION 审中-公开

    公开(公告)号：US20190287097A1

    公开(公告)日：2019-09-19

    申请号：US16428234

    申请日：2019-05-31

    Applicant: GOOGLE LLC

    Inventor： Varouj Chitilian ,  Sashikanth Chandrasekaran ,  Denise Ho ,  Zhihong Xu ,  William Hartley Setchell ,  Phalachandra Sreepada Bhat

    IPC: G06Q20/36 ,  G06Q20/40 ,  G06Q20/38 ,  G06Q20/32 ,  G06Q20/42 ,  G10L15/08 ,  G06Q20/20 ,  G06Q20/02 ,  G06Q20/00

    Abstract: Conducting hands-free transactions comprises a server at a payment processing system, a user computing device, and a merchant computing device. The payment processing system receives a communication from a hands-free payment application on a user device, the communication comprising a first transaction token, an identification of a user account, and a beacon identifier. The merchant may provide a challenge to the user and use the response to identify the token and account of the user. The merchant computing device can use voice patterns of the user to assist in identifying the token and account of the user. The system receives from the merchant computing device a transaction request, the transaction request comprising the first transaction token and transaction data associated with the transaction request. The system determines that the transaction is for an amount less than a configured transaction limit and communicates a request for an authorization of the transaction.

    SEARCH RESULT ANNOTATIONS
    15.
    发明申请
    SEARCH RESULT ANNOTATIONS 有权

    公开(公告)号：US20210406268A1

    公开(公告)日：2021-12-30

    申请号：US17303206

    申请日：2021-05-24

    Applicant: Google LLC

    Inventor： Denise Ho ,  Grzegorz Glowaty ,  Reed Taylor ,  Tom Murphy ,  Juro Gottweis

    IPC: G06F16/2457

    Abstract: A flexible annotation framework normalizes auxiliary information from diverse sources, ranks the information for an individual search result, and provides a lightweight or full display of the auxiliary information in an annotation for the search result. An annotation thus displays information not typically part of the details included in the search result. An example method comprises, for at least one item in a search result page, identifying at least one annotation of a first annotation type in an annotation data store that references the item, identifying at least one annotation for a second annotation type in an annotation data store that references the item, ranking the annotation of the first annotation type and the annotation of the second annotation type and providing the highest ranked annotation as part of a search result for the item in the search result page.

    Identifying consumers via facial recognition to provide services
    16.
    发明授权
    Identifying consumers via facial recognition to provide services 有权

    公开(公告)号：US10733587B2

    公开(公告)日：2020-08-04

    申请号：US15143451

    申请日：2016-04-29

    Applicant: GOOGLE LLC

    Inventor： Sashikanth Chandrasekaran ,  Denise Ho ,  Dmitry Kalenichenko ,  Varouj Chitilian ,  Timothy Raymond Zwiebel ,  Jumana Al Hashal

    IPC: G06Q20/20 ,  G06K9/00 ,  G07F9/02 ,  G06K9/62

    Abstract: A user signs into an application via a user computing device at a merchant system location. The user computing device receives an identifier from a beacon device at the location to transmit to an account management system. The account management system transmits facial templates to the merchant camera device for users who are signed in to the application in range of the merchant beacon device. The user approaches a point of sale device to purchase a restricted product or service. The merchant camera device compares a captured facial image against the received facial templates to identify the user. A merchant POS device operator, after determining that the user is eligible for the restricted product or service based on account information of the user, selects a payment account of the user. The merchant POS device transmits transaction details to the account management system, which processes the transaction with an issuer system.

    FACIAL PROFILE PASSWORD TO MODIFY USER ACCOUNT DATA FOR HANDS FREE TRANSACTIONS
    19.
    发明申请
    FACIAL PROFILE PASSWORD TO MODIFY USER ACCOUNT DATA FOR HANDS FREE TRANSACTIONS 审中-公开

    公开(公告)号：US20190364039A1

    公开(公告)日：2019-11-28

    申请号：US16534701

    申请日：2019-08-07

    Applicant: GOOGLE LLC

    Inventor： Sashikanth Chandrasekaran ,  Denise Ho ,  Dmitry Kalenichenko ,  Varouj Chitilian ,  Timothy Raymond Zwiebel ,  Michal Palczewski

    IPC: H04L29/06 ,  G06Q20/40 ,  G06Q20/32 ,  G06Q20/20 ,  G06F21/32 ,  G06Q40/02 ,  H04W12/06

    Abstract: An account management system establishes an account for a user. The user enters user account information into the account and the account management system establishes a facial template for the user based on an image of the face of the user. The user requests to change user account information at a merchant POS (POS) device. The merchant POS device captures a facial image of the user and transmits the image the account management system, which generates a facial template and compares the generated facial template against the existing facial template associated with user account. If the generated facial template is less than a threshold difference from the existing facial template, the user may update user account information at the merchant POS device, which communicates the updated user account information to the account management system. The account management system associates the updated user account information with the user account.

    HANDS-FREE TRANSACTIONS WITH A CHALLENGE AND RESPONSE
    20.
    发明申请
    HANDS-FREE TRANSACTIONS WITH A CHALLENGE AND RESPONSE 审中-公开

    公开(公告)号：US20190266598A1

    公开(公告)日：2019-08-29

    申请号：US16407133

    申请日：2019-05-08

    Applicant: GOOGLE LLC

    Inventor： Varouj Chitilian ,  Sashikanth Chandrasekaran ,  Johnie Lee ,  Denise Ho ,  Pramod Adiddam ,  Zhihong Xu ,  Michal Palczewski

    IPC: G06Q20/36 ,  G06Q20/40 ,  G06Q20/38 ,  G06Q20/32 ,  G06Q20/42 ,  G10L15/08 ,  G06Q20/20 ,  G06Q20/02 ,  G06Q20/00

    Abstract: Conducting hands-free transactions comprises a server at a payment processing system, a user computing device, and a merchant computing device. The payment processing system receives a communication from a hands-free payment application on a user device, the communication comprising a first transaction token, an identification of a user account, and a beacon identifier. The merchant may provide a challenge to the user and use the response to identify the token and account of the user. The merchant computing device can use voice patterns of the user to assist in identifying the token and account of the user. The system receives from the merchant computing device a transaction request, the transaction request comprising the first transaction token and transaction data associated with the transaction request. The system determines that the transaction is for an amount less than a configured transaction limit and communicates a request for an authorization of the transaction.

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